Emi For Personal Loan Calculator For Yes Bank

Module A: Introduction & Importance of YES Bank Personal Loan EMI Calculator

A YES Bank personal loan EMI calculator is an essential financial tool that helps borrowers determine their Equated Monthly Installment (EMI) before applying for a personal loan. This calculator provides instant results by considering three primary factors: loan amount, interest rate, and loan tenure.

Understanding your EMI in advance offers several critical advantages:

• Financial Planning: Helps you budget your monthly expenses by knowing exactly how much you’ll need to pay each month
• Loan Affordability: Allows you to assess whether you can comfortably manage the loan repayment without straining your finances
• Comparison Tool: Enables you to compare different loan offers from YES Bank by adjusting the loan amount and tenure
• Interest Calculation: Shows the total interest payable over the loan period, helping you understand the true cost of borrowing
• Time-Saving: Provides instant results without the need for manual calculations or visiting a bank branch

YES Bank offers personal loans with competitive interest rates starting from 10.5% p.a., loan amounts up to ₹40 lakhs, and flexible tenures up to 7 years. Using this calculator helps you make informed decisions about your personal loan requirements.

Module B: How to Use This YES Bank Personal Loan EMI Calculator

Our YES Bank personal loan EMI calculator is designed to be user-friendly while providing comprehensive financial insights. Follow these steps to use the calculator effectively:

1. Enter Loan Amount:
   • Input the desired loan amount in Indian Rupees (₹)
   • YES Bank offers personal loans ranging from ₹50,000 to ₹40,00,000
   • Use the slider or type directly in the input field
   • Default value is set to ₹5,00,000 for demonstration
2. Set Interest Rate:
   • Enter the annual interest rate offered by YES Bank
   • Current rates range from 10.5% to 24% depending on your credit profile
   • Pre-approved customers often get lower rates
   • Default rate is 10.5% (YES Bank’s starting rate)
3. Select Loan Tenure:
   • Choose your preferred repayment period in years
   • YES Bank offers tenures from 1 to 7 years
   • Longer tenures result in lower EMIs but higher total interest
   • Default selection is 5 years (most popular choice)
4. Add Processing Fee:
   • Enter the processing fee percentage (typically 2-3% of loan amount)
   • YES Bank charges up to 2.5% as processing fee
   • This fee is deducted from the loan amount before disbursal
   • Default value is 2%
5. View Results:
   • Click “Calculate EMI” button to see instant results
   • Results include: Monthly EMI, Total Interest, Total Amount Payable, and Processing Fee
   • A visual breakdown chart shows principal vs interest components
   • Amortization schedule is available for detailed payment breakdown
6. Adjust and Compare:
   • Modify any parameter to see how it affects your EMI
   • Compare different scenarios to find the most suitable option
   • Try reducing tenure to save on interest or increasing it to lower EMI
   • Experiment with different loan amounts based on your needs

Module C: Formula & Methodology Behind the EMI Calculation

The YES Bank personal loan EMI calculator uses the standard EMI calculation formula that all financial institutions follow. Understanding this formula helps you verify the calculator’s accuracy and comprehend how different factors affect your EMI.

EMI Calculation Formula

The EMI is calculated using the following formula:

EMI = [P × R × (1+R)^N] / [(1+R)^N – 1]

Where:

• P = Principal loan amount
• R = Monthly interest rate (annual rate divided by 12 and converted to decimal)
• N = Loan tenure in months

Step-by-Step Calculation Process

1. Convert Annual Rate to Monthly:

   If annual interest rate = 10.5%

   Monthly rate (R) = 10.5%/12 = 0.875% = 0.00875 (in decimal)

2. Convert Tenure to Months:

   If tenure = 5 years

   Tenure in months (N) = 5 × 12 = 60 months

3. Apply the Formula:

   For ₹5,00,000 loan at 10.5% for 5 years:

   EMI = [500000 × 0.00875 × (1+0.00875)^60] / [(1+0.00875)^60 – 1]

   EMI = ₹10,624 (rounded to nearest rupee)

4. Calculate Total Interest:

   Total Interest = (EMI × N) – P

   = (10,624 × 60) – 5,00,000 = ₹1,37,440

5. Calculate Processing Fee:

   Processing Fee = Loan Amount × Processing Fee Percentage

   = ₹5,00,000 × 2% = ₹10,000

6. Calculate Total Amount Payable:

   Total Amount = Loan Amount + Total Interest + Processing Fee

   = ₹5,00,000 + ₹1,37,440 + ₹10,000 = ₹6,47,440

Amortization Schedule Methodology

The calculator also generates an amortization schedule that shows how each EMI payment is split between principal repayment and interest payment over the loan tenure. The schedule follows these principles:

• Interest component is highest in initial EMIs and decreases over time
• Principal component is lowest in initial EMIs and increases over time
• Each EMI payment reduces the outstanding principal
• Interest for each period is calculated on the outstanding principal

Key Mathematical Insights

• Rule of 78: In the first half of the loan tenure, you pay about 78% of the total interest
• Interest Sensitivity: A 1% change in interest rate can change your EMI by approximately 5-7% for a 5-year loan
• Tenure Impact: Doubling your tenure reduces EMI by about 30-35% but increases total interest by 100-120%
• Prepayment Benefits: Paying just one extra EMI per year can reduce your loan tenure by 2-3 years

Module D: Real-World Examples with Specific Numbers

To help you understand how the YES Bank personal loan EMI calculator works in practical scenarios, here are three detailed case studies with different financial profiles and requirements.

Case Study 1: Young Professional – First Time Borrower

Profile: 28-year-old software engineer, salary ₹75,000/month, good credit score (750+)

Requirements: Needs ₹3,00,000 for home renovation, prefers lower EMI

Calculator Inputs:

• Loan Amount: ₹3,00,000
• Interest Rate: 11.5% (standard rate for good credit score)
• Tenure: 5 years
• Processing Fee: 2%

Results:

• Monthly EMI: ₹6,635
• Total Interest: ₹98,100
• Processing Fee: ₹6,000
• Total Amount Payable: ₹4,04,100

Analysis: The EMI constitutes about 9% of monthly salary, which is comfortable. By choosing a 5-year tenure instead of 3 years, the EMI is reduced by ₹1,800/month, though total interest increases by ₹30,000.

Case Study 2: Mid-Career Executive – Debt Consolidation

Profile: 38-year-old marketing manager, salary ₹1,20,000/month, excellent credit score (800+)

Requirements: Needs ₹10,00,000 to consolidate multiple high-interest loans

Calculator Inputs:

• Loan Amount: ₹10,00,000
• Interest Rate: 10.75% (preferred rate for excellent credit)
• Tenure: 4 years
• Processing Fee: 2%

Results:

• Monthly EMI: ₹25,320
• Total Interest: ₹2,15,360
• Processing Fee: ₹20,000
• Total Amount Payable: ₹12,35,360

Analysis: By consolidating multiple loans (average 18% interest) into one YES Bank loan at 10.75%, the borrower saves ₹12,000/month. The 4-year tenure was chosen to balance between affordable EMI (21% of salary) and reasonable interest outgo.

Case Study 3: Business Owner – Emergency Funds

Profile: 45-year-old retail business owner, monthly turnover ₹2,50,000, good credit score (720)

Requirements: Needs ₹15,00,000 for working capital during off-season

Calculator Inputs:

• Loan Amount: ₹15,00,000
• Interest Rate: 13.5% (business loan rate)
• Tenure: 3 years
• Processing Fee: 2.5%

Results:

• Monthly EMI: ₹51,240
• Total Interest: ₹3,44,640
• Processing Fee: ₹37,500
• Total Amount Payable: ₹18,82,140

Analysis: The shorter 3-year tenure was chosen to minimize interest costs, as the business expects higher revenues in 6 months. The EMI represents 20% of monthly turnover, which is manageable for the business. The owner plans to prepay 25% of the loan after 1 year to further reduce interest.

Key Takeaways from Case Studies

• Credit score significantly impacts interest rates (720 vs 800+ can mean 2-3% difference)
• Longer tenures reduce EMI but substantially increase total interest
• Processing fees add to the total cost and should be factored in
• Loan purpose affects the optimal tenure choice (business loans often prefer shorter tenures)
• Prepayment can lead to significant interest savings if done early in the tenure

Module E: Data & Statistics – YES Bank Personal Loan Comparison

To help you make an informed decision, we’ve compiled comprehensive data comparing YES Bank’s personal loan offerings with other major banks. These tables provide valuable insights into interest rates, processing fees, and eligibility criteria.

Comparison Table 1: Interest Rates and Processing Fees (2024)

Bank	Minimum Interest Rate (p.a.)	Maximum Interest Rate (p.a.)	Processing Fee (% of loan)	Maximum Loan Amount	Maximum Tenure (years)
YES Bank	10.5%	24%	Up to 2.5%	₹40,00,000	7
HDFC Bank	10.75%	22%	Up to 2.5%	₹40,00,000	5
ICICI Bank	10.5%	22%	Up to 2.25%	₹50,00,000	6
Axis Bank	10.49%	24%	Up to 2%	₹40,00,000	7
State Bank of India	9.6%	14%	Up to 1.5%	₹20,00,000	6
Bajaj Finserv	11%	36%	Up to 4%	₹25,00,000	5

Source: Reserve Bank of India and respective bank websites (data as of March 2024)

Comparison Table 2: EMI Comparison for ₹5,00,000 Loan Over Different Tenures

Bank	1 Year EMI	1 Year Total Interest	3 Years EMI	3 Years Total Interest	5 Years EMI	5 Years Total Interest
YES Bank (10.5%)	₹43,871	₹26,452	₹16,246	₹76,856	₹10,624	₹137,440
HDFC Bank (11%)	₹44,032	₹28,392	₹16,387	₹81,932	₹10,846	₹150,760
ICICI Bank (10.75%)	₹43,950	₹27,400	₹16,315	₹79,340	₹10,732	₹143,920
Axis Bank (10.49%)	₹43,850	₹26,200	₹16,230	₹76,280	₹10,610	₹136,600
SBI (9.6%)	₹43,580	₹22,960	₹16,040	₹73,440	₹10,400	₹124,000

Key observations from the data:

• YES Bank offers competitive rates compared to private sector peers
• SBI has the lowest rates but also the lowest maximum loan amount
• Bajaj Finserv has the highest maximum interest rate at 36%
• For a 5-year loan, the interest difference between SBI and HDFC is ₹26,760
• Short-tenure loans (1 year) have significantly lower total interest
• Processing fees can add ₹10,000-₹20,000 to the total cost for a ₹5,00,000 loan

For more detailed statistical data on personal loans in India, you can refer to the RBI’s official reports.

Module F: Expert Tips to Optimize Your YES Bank Personal Loan

Getting a personal loan from YES Bank is just the first step. How you manage it can make a significant difference in your total interest outgo and financial health. Here are expert tips to help you optimize your YES Bank personal loan:

Before Applying for the Loan

1. Improve Your Credit Score:
   • Check your credit report from CIBIL and correct any errors
   • Aim for a score above 750 for the best rates (YES Bank offers lowest rates at 750+)
   • Pay off existing credit card dues and small loans to improve your score
   • Avoid multiple credit inquiries in a short period as they can lower your score
2. Compare Loan Offers:
   • Use our calculator to compare different loan amounts and tenures
   • Check for pre-approved offers from YES Bank (often have lower rates)
   • Consider the total cost (interest + processing fee) rather than just the EMI
   • Look for festive season offers when banks typically reduce rates
3. Calculate Your Repayment Capacity:
   • Ensure your EMI doesn’t exceed 30-40% of your monthly income
   • Use the 50/30/20 rule: 50% needs, 30% wants, 20% savings/debt repayment
   • Factor in potential income changes or expenses when choosing tenure
   • Maintain an emergency fund equivalent to at least 3 EMIs
4. Understand All Charges:
   • Processing fee (up to 2.5% of loan amount)
   • Late payment charges (typically 2-3% per month on overdue amount)
   • Prepayment charges (YES Bank allows free prepayment after 12 EMIs)
   • Foreclosure charges (if you close the loan before tenure ends)

During Loan Repayment

5. Set Up Auto-Debit:
   • Avoid late payment charges by setting up auto-debit from your salary account
   • YES Bank offers 0.25% rate discount for auto-debit from YES Bank account
   • Late payments can negatively impact your credit score
   • Set payment reminders 3 days before the due date
6. Make Partial Prepayments:
   • Use bonuses or windfalls to make partial prepayments
   • Even one extra EMI per year can reduce your tenure by 2-3 years
   • YES Bank allows free prepayment after 12 regular EMIs
   • Prepayments in early years save more interest than later years
7. Consider Balance Transfer:
   • If rates drop significantly, consider transferring your loan
   • YES Bank offers balance transfer at competitive rates
   • Calculate the cost-benefit including processing fees
   • Check for any hidden charges in balance transfer offers
8. Maintain Loan Documents:
   • Keep all loan documents (sanction letter, repayment schedule) safely
   • Track your repayment history for any discrepancies
   • Get an annual statement to verify your payments
   • Keep records of all communications with the bank

Advanced Strategies

9. Ladder Your Loans:
   • If you need a large amount, consider taking multiple loans with different tenures
   • Example: ₹10 lakhs as ₹5 lakhs for 3 years and ₹5 lakhs for 5 years
   • This creates a “loan ladder” where you clear one loan faster
   • Helps manage cash flow better over time
10. Use EMI Holidays Wisely:
    • YES Bank may offer EMI holidays during financial stress periods
    • Understand that interest continues to accrue during the holiday
    • Use this only in genuine financial difficulties
    • Have a plan to catch up on missed payments
11. Leverage Tax Benefits:
    • Personal loans don’t offer tax benefits unlike home loans
    • But if used for home renovation, you might claim deductions under Section 24
    • If used for business, interest may be tax-deductible as business expense
    • Consult a tax advisor for specific situations
12. Build a Relationship with YES Bank:
    • Having a salary account or fixed deposits with YES Bank can get you better rates
    • Regular customers often get pre-approved offers with lower processing fees
    • Good repayment history can help in future loan applications
    • Consider YES Bank credit cards for additional benefits

Common Mistakes to Avoid

• Not reading the fine print in the loan agreement
• Choosing the longest tenure just for lower EMI
• Missing EMIs which affects your credit score
• Not maintaining an emergency fund for loan repayment
• Taking multiple loans simultaneously without assessing repayment capacity
• Ignoring prepayment options that could save interest
• Not comparing offers from different banks

Module G: Interactive FAQ – YES Bank Personal Loan EMI Calculator

How accurate is the YES Bank personal loan EMI calculator?

The YES Bank personal loan EMI calculator provides results that are 99% accurate when you input the correct interest rate as offered by the bank. The actual EMI might differ slightly (by ₹5-₹20) due to:

• Rounding off of the EMI to the nearest rupee
• Exact processing fee amount (some banks have minimum/maximum caps)
• Any special offers or discounts you might be eligible for
• Changes in the bank’s interest rate between calculation and loan disbursal

For the most accurate results, use the exact interest rate mentioned in your YES Bank loan offer letter. The calculator uses the standard reducing balance method that YES Bank follows for all its personal loans.

Can I get a lower interest rate on my YES Bank personal loan?

Yes, you can potentially get a lower interest rate on your YES Bank personal loan through several strategies:

1. Improve Your Credit Score:
   • Aim for a CIBIL score above 750 (ideally 800+)
   • Pay all credit card bills and existing EMIs on time
   • Reduce credit utilization to below 30% of your limit
   • Avoid multiple credit inquiries in a short period
2. Leverage Your Relationship with YES Bank:
   • If you have a salary account with YES Bank
   • If you have fixed deposits or investments with YES Bank
   • If you use YES Bank credit cards regularly
   • Long-standing customers often get preferential rates
3. Negotiate Based on Your Profile:
   • High-income professionals (doctors, CAs, government employees)
   • Employees of top-tier companies
   • Customers with multiple accounts/products with YES Bank
   • Existing home loan customers with good repayment history
4. Apply During Special Offers:
   • Festive seasons (Diwali, New Year)
   • Bank anniversary periods
   • Government scheme launches
   • Digital application discounts
5. Opt for Secured Loans:
   • If you can provide collateral (FD, property, etc.)
   • Secured loans typically have 2-4% lower interest rates
   • YES Bank offers loan against securities and property

Pro Tip: Always ask for the “best possible rate” when applying. Banks often have some flexibility, especially for customers with strong profiles.

What happens if I miss an EMI payment on my YES Bank personal loan?

Missing an EMI payment on your YES Bank personal loan can have several consequences:

Immediate Consequences:

• Late payment fee of 2-3% per month on the overdue amount
• Penal interest (typically 2% per month) on the overdue amount
• You’ll receive reminders via SMS, email, and phone calls
• Your credit score will drop by 30-50 points

After 30 Days:

• The missed payment will be reported to credit bureaus
• Your credit score may drop by 50-100 points
• YES Bank may initiate recovery proceedings
• Future loan applications may be affected

After 90 Days:

• Your loan may be classified as a Non-Performing Asset (NPA)
• Legal action may be initiated for recovery
• Your credit score may drop by 150-200 points
• You may be blacklisted by other banks

What You Should Do:

1. Pay the missed EMI immediately to minimize damage
2. Contact YES Bank customer care to explain the situation
3. If facing financial difficulties, request for:
• EMI holiday (temporary pause)
• Tenure extension
• Loan restructuring
4. Set up auto-debit to avoid future misses
5. Monitor your credit report for any incorrect reporting

Remember: Even one missed payment can stay on your credit report for 7 years, though its impact lessens over time with consistent payments.

How does the loan tenure affect my total interest payment?

The loan tenure has a significant impact on your total interest payment. Here’s a detailed breakdown using a ₹5,00,000 loan at 11% interest as an example:

Tenure (Years)	Monthly EMI	Total Interest	Interest as % of Loan	Interest per Month
1	₹44,032	₹28,392	5.68%	₹2,366
2	₹23,935	₹54,440	10.89%	₹2,268
3	₹16,400	₹82,400	16.48%	₹2,289
4	₹12,860	₹1,11,280	22.26%	₹2,318
5	₹10,846	₹1,50,760	30.15%	₹2,513
6	₹9,560	₹1,90,320	38.06%	₹2,643
7	₹8,630	₹2,31,440	46.29%	₹2,753

Key insights from this comparison:

• Doubling the tenure (from 3 to 6 years) increases total interest by 131%
• The monthly interest payment actually increases with longer tenures
• Short tenures (1-2 years) are most cost-effective but have higher EMIs
• The “sweet spot” is often 3-4 years for most borrowers
• For every extra year of tenure, you typically pay 15-20% more in total interest

Use our calculator to find the optimal balance between affordable EMI and reasonable total interest for your specific situation.

What documents are required for a YES Bank personal loan?

YES Bank requires specific documents for personal loan processing. The exact requirements may vary slightly based on your employment type and loan amount, but here’s a comprehensive list:

For Salaried Individuals:

1. Identity Proof (Any One):
   • Aadhaar Card
   • PAN Card
   • Passport
   • Voter ID
   • Driving License
2. Address Proof (Any One):
   • Aadhaar Card
   • Passport
   • Utility Bill (not older than 3 months)
   • Rental Agreement
   • Bank Statement with address
3. Income Proof:
   • Last 3 months’ salary slips
   • Last 6 months’ bank statements (salary account)
   • Form 16 or ITR for last 2 years
   • Employment certificate (if current job < 1 year)
4. Additional Documents:
   • Passport-size photographs (2)
   • Signed loan application form
   • Cheque for processing fee
   • Post-dated cheques or ECS mandate

For Self-Employed Individuals:

1. Identity & Address Proof: Same as above
2. Business Proof:
   • Business registration certificate
   • GST registration (if applicable)
   • Shop establishment certificate
   • Partnership deed (for partnerships)
3. Income Proof:
   • Last 2 years’ ITR with computation of income
   • Last 2 years’ audited financial statements
   • Last 6 months’ bank statements (business account)
   • Last 2 years’ profit & loss statements
4. Additional Documents:
   • Business profile on letterhead
   • Last 12 months’ GST returns (if applicable)
   • Property documents (if owned)

Special Cases:

• For NRI Applicants:
  • Passport copy with visa stamps
  • Overseas address proof
  • NRE/NRO account statements
  • Employment contract (for employed NRIs)
• For Pensioners:
  • Pension payment order
  • Pension account bank statement
  • Proof of other income (if any)

Pro Tips for Document Submission:

• Ensure all documents are self-attested
• Provide clear, legible copies (avoid mobile photos)
• Keep originals ready for verification
• Submit all documents together to avoid delays
• Check YES Bank’s website for any updates to document requirements

Can I foreclose my YES Bank personal loan before the tenure ends?

Yes, you can foreclose (completely repay) your YES Bank personal loan before the scheduled tenure ends, but there are specific conditions and charges to be aware of:

YES Bank’s Foreclosure Policy:

• Foreclosure Charges:
  • No charges if foreclosed after 12 EMIs
  • Up to 4% of principal outstanding if foreclosed within 12 EMIs
  • Minimum foreclosure charge is typically ₹1,000-₹2,000
• Partial Prepayment:
  • Allowed after 12 EMIs without charges
  • Minimum prepayment amount is usually 1 EMI or ₹10,000 (whichever is higher)
  • No limit on number of prepayments
• Process:
  • Submit a foreclosure request at your YES Bank branch
  • Get the outstanding amount statement
  • Pay the amount via cheque or online transfer
  • Collect your No Objection Certificate (NOC)
• Timeframe:
  • Foreclosure typically processed within 3-5 working days
  • NOC issued within 7-10 days of full payment

When Should You Consider Foreclosure?

1. You Have Surplus Funds:
   • Bonus or windfall gain
   • Maturity proceeds from investments
   • Sale of assets
2. Interest Rate Differential:
   • If you can earn higher returns than your loan interest rate
   • Example: If your loan is at 12% but you can earn 15% on investments
3. Improved Cash Flow:
   • If your income has significantly increased
   • If you want to reduce monthly obligations
4. Credit Score Improvement:
   • Closing loans can improve your credit utilization ratio
   • Helps if you’re planning to take another loan soon

Foreclosure Calculation Example:

Let’s say you took a ₹5,00,000 loan at 11% for 5 years (EMI: ₹10,846). After 2 years, you want to foreclose:

• Total paid in 2 years: ₹2,60,304
• Principal repaid: ~₹1,85,000
• Outstanding principal: ~₹3,15,000
• Foreclosure amount: ₹3,15,000 (no charges as >12 EMIs paid)
• Total interest saved: ~₹70,000

Important Considerations:

• Check if your loan agreement has any special foreclosure clauses
• Get the exact foreclosure amount from YES Bank (it might differ slightly from your calculations)
• Ensure you get a proper NOC after foreclosure
• Verify that the loan is marked as “closed” in your credit report
• Consider the opportunity cost of using your funds for foreclosure

How does YES Bank calculate interest on personal loans?

YES Bank calculates interest on personal loans using the Reducing Balance Method, which is the most borrower-friendly calculation method. Here’s a detailed explanation of how it works:

Reducing Balance Method Explained:

1. Monthly Interest Calculation:
   • Interest is calculated only on the outstanding principal balance
   • Each EMI payment reduces the principal amount
   • As the principal reduces, the interest component decreases
2. EMI Composition:
   • Each EMI consists of both principal and interest components
   • In early EMIs, interest component is higher
   • In later EMIs, principal component is higher
3. Amortization Schedule:
   • YES Bank provides a detailed repayment schedule
   • Shows the breakup of each EMI into principal and interest
   • Shows the outstanding balance after each payment

Example Calculation:

For a ₹5,00,000 loan at 11% for 5 years (60 months):

Month	Opening Balance	EMI (₹10,846)	Interest Component	Principal Component	Closing Balance
1	500,000	10,846	4,583	6,263	493,737
2	493,737	10,846	4,535	6,311	487,426
3	487,426	10,846	4,486	6,360	481,066
…	…	…	…	…	…
58	35,000	10,846	319	10,527	24,473
59	24,473	10,846	222	10,624	13,849
60	13,849	10,846	125	10,721	3,128

Key observations from the amortization schedule:

• In the first month, 42% of EMI goes toward interest
• By the last month, only 1% of EMI goes toward interest
• The principal component increases with each payment
• Total interest paid over 5 years: ₹1,50,760

How YES Bank’s Method Compares to Others:

Method	Interest Calculation	Total Interest	Used By
Reducing Balance	On outstanding principal	Lower	YES Bank, HDFC, ICICI
Flat Rate	On original principal	Higher	Some NBFCs
Fixed EMI	Varies	Varies	Some foreign banks

Important Notes About YES Bank’s Interest Calculation:

• Interest is calculated on a monthly reducing balance
• The rate is annual but calculated monthly (annual rate/12)
• Processing fee is deducted from the loan amount before disbursal
• Late payment interest is calculated at 2% per month on overdue amount
• Part payments reduce the principal and subsequent interest

You can use our calculator to see the exact amortization schedule for your specific loan parameters with YES Bank.